NRI Capital Gain Tax Filing

Overview

The tax withheld is rarely the tax you actually owe

When an NRI sells property in India, the buyer is required to deduct TDS under Section 195 — often 20% or more of the full sale value, plus surcharge and cess, regardless of your actual gain or the exemptions you're entitled to. That withheld amount is almost always higher than your real tax liability, which means either applying for a Lower TDS Certificate before the sale, or claiming the excess back as a refund after filing.

Capital gains computed correctly

Holding period, cost of acquisition, and exemptions under Section 54, 54EC, or 54F applied to your specific transaction — not a rough estimate.

TDS brought down before or after the sale

We help you apply for a Lower TDS Certificate under Section 197 before the sale, or reconcile and claim back excess TDS once you file.

DTAA relief where applicable

Where a tax treaty applies, we make sure you aren't taxed twice on the same gain in both India and your country of residence.

Try it now

See your estimated tax in seconds

A quick estimate to get you started — for a precise number tailored to your situation, book a consultation

Tax regime

Annual income (₹)

₹

₹0₹25L₹50L+

Estimated tax payable

₹ 97,500

Effective rate 6.5% · new regime on ₹15,00,000

Taxable income₹ 14,25,000

Tax as per slabs₹ 93,750

Health & education cess (4%)+₹ 3,750

The New Regime saves you ₹ 1,59,900 compared to the Old Regime.

Illustrative estimate for FY 2025-26 — assumes salaried income eligible for the standard deduction, and includes the Section 87A rebate and 4% cess. Surcharge is applied at a flat rate without its own marginal relief. Does not account for other deductions or individual circumstances. Book a consultation for an exact figure.

Simple, from anywhere

How it works

Book a consultation before you sign

Ideally before the sale deed is signed, so we can plan TDS and exemptions in advance — but we can help after the fact too.

Share transaction documents securely

Upload the sale deed, purchase records, and TDS certificates from wherever you are, on your own schedule.

We compute gains and apply for relief

Capital gains are calculated, exemptions applied, and a Lower TDS Certificate filed if there's still time before the sale.

File the return and track your refund

We file your return and follow up on any excess TDS refund until it's credited to your account.

Typically 7–10 days once documents are received (longer where a Lower TDS Certificate is involved)

Questions

Frequently asked

01Why is TDS so high on my property sale?

Section 195 requires the buyer to deduct TDS on the sale, often at a flat rate around 20% plus surcharge and cess, without factoring in your cost of acquisition or exemptions. It's a withholding mechanism, not your final tax liability.

02Can I reduce the TDS before the sale happens?

Yes — applying for a Lower or Nil TDS Certificate under Section 197 before the sale lets the buyer deduct TDS closer to your actual liability, instead of you waiting months for a refund.

03What if TDS was already deducted at the higher rate?

You can claim the excess back by filing your return and showing the actual capital gains computation — the difference is refunded once the return is processed.

04How do I repatriate the sale proceeds abroad?

Once tax is settled, proceeds can generally be repatriated up to USD 1 million per financial year from an NRO account, supported by Form 15CA and, where required, a CA certificate in Form 15CB.

05Why book a consultation instead of handling this myself?

The TDS rate, the exemption you're eligible for, and the repatriation paperwork all interact — get one wrong and you either overpay for months or hit a wall trying to move the money abroad. We handle the certificate, the filing, and the remittance forms as one process, coordinated remotely.

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